RSU tax withholding trims Chime (CHYM) president Mark T. Troughton’s stake

Rhea-AI Filing Summary

Chime Financial, Inc. President Mark T. Troughton reported a tax-related share disposition tied to restricted stock units. On February 17, 2026, 20,037 shares of Class A Common Stock, valued at $19.69 per share, were withheld by the company to cover tax withholding and remittance obligations arising from the net settlement of RSUs. The footnote clarifies this was not an open-market sale by Troughton. After this withholding, he directly owned 2,679,727 shares of Chime Class A Common Stock, including RSUs that each represent a right to receive one share upon vesting conditions.

Insider Trade Summary

1 transaction reported

Mixed 1 txn

Insider Troughton Mark T

Role President

Type	Security	Shares	Price	Value
Tax Withholding	Class A Common Stock	20,037	$19.69	$395K

Holdings After Transaction: Class A Common Stock — 2,679,727 shares (Direct)

Footnotes (1)

1. Represents shares that have been withheld by the Issuer to satisfy its tax withholding and remittance obligations in connection with the net settlement of restricted stock units ("RSUs") and does not represent a sale by the Reporting Person. Certain of these securities are RSUs. Each RSU represents a contingent right to receive one share of the Issuer's Class A Common Stock, subject to the applicable vesting schedule and conditions of each RSU.

Form 4 Insider Transactions: What Each Field Means →

SEC Form 4

FORM 4

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940

OMB APPROVAL

OMB Number:			3235-0287
Estimated average burden
hours per response:			0.5

Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).

Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.

1. Name and Address of Reporting Person^*

Troughton Mark T

(Last) (First) (Middle)

C/O CHIME FINANCIAL, INC.

101 CALIFORNIA STREET, SUITE 500

(Street)

SAN FRANCISCO CA 94111

(City) (State) (Zip)

2. Issuer Name and Ticker or Trading Symbol
Chime Financial, Inc. [ CHYM ]

5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)

	Director		10% Owner
X	Officer (give title below)		Other (specify below)
	President

3. Date of Earliest Transaction (Month/Day/Year)
02/17/2026

4. If Amendment, Date of Original Filed (Month/Day/Year)

6. Individual or Joint/Group Filing (Check Applicable Line)

X	Form filed by One Reporting Person
	Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3)	2. Transaction Date (Month/Day/Year)	2A. Deemed Execution Date, if any (Month/Day/Year)	3. Transaction Code (Instr. 8)		4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5)			5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4)	6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	7. Nature of Indirect Beneficial Ownership (Instr. 4)
			Code	V	Amount	(A) or (D)	Price
Class A Common Stock	02/17/2026		F		20,037(1)	D	$19.69	2,679,727(2)	D

Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3)	2. Conversion or Exercise Price of Derivative Security	3. Transaction Date (Month/Day/Year)	3A. Deemed Execution Date, if any (Month/Day/Year)	4. Transaction Code (Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date (Month/Day/Year)		7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4)		8. Price of Derivative Security (Instr. 5)	9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)	10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4)	11. Nature of Indirect Beneficial Ownership (Instr. 4)
				Code	V	(A)	(D)	Date Exercisable	Expiration Date	Title	Amount or Number of Shares

Explanation of Responses:

1. Represents shares that have been withheld by the Issuer to satisfy its tax withholding and remittance obligations in connection with the net settlement of restricted stock units ("RSUs") and does not represent a sale by the Reporting Person.

2. Certain of these securities are RSUs. Each RSU represents a contingent right to receive one share of the Issuer's Class A Common Stock, subject to the applicable vesting schedule and conditions of each RSU.

Remarks:

	/s/ Theresa Bloom, by power of attorney	02/19/2026
	** Signature of Reporting Person	Date
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.

FAQ

What insider transaction did Chime (CHYM) report for Mark T. Troughton?

Chime reported that President Mark T. Troughton had 20,037 Class A shares withheld for taxes. The company used these shares to satisfy tax obligations from net-settled restricted stock units rather than executing an open-market sale.

How many Chime (CHYM) shares were involved and at what price?

The transaction involved 20,037 shares of Chime Class A Common Stock at $19.69 per share. These shares were withheld by the company to cover tax withholding and remittance obligations associated with restricted stock unit settlement.

Did Chime’s President actually sell shares in this Form 4 filing?

No, the filing states the shares were withheld by Chime to satisfy tax obligations. A footnote clarifies this tax-withholding disposition does not represent a sale by President Mark T. Troughton in the open market.

How many Chime (CHYM) shares does Mark T. Troughton own after the transaction?

After the tax-withholding transaction, Mark T. Troughton directly owned 2,679,727 Chime Class A shares. This figure includes certain restricted stock units, each representing a contingent right to receive one share upon vesting conditions.

What does transaction code F mean in this Chime (CHYM) Form 4?

Transaction code F indicates shares were used to pay an exercise price or tax liability. Here, Chime withheld shares to meet its tax withholding and remittance obligations from net-settled restricted stock units granted to Mark T. Troughton.

What are RSUs mentioned in the Chime (CHYM) insider filing?

The filing explains that certain securities are restricted stock units, or RSUs. Each RSU represents a contingent right to receive one share of Chime’s Class A Common Stock, subject to the specific vesting schedule and conditions of each RSU grant.